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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $39,283 |
KUENZI & COMPANY LLC2 years Filed as: KUENZI & COMPANY Service code 10 650 HAWTHORNE AVE SE · SALEM, OR 97301 | Accounting | $11,546 |
THE VANGUARD GROUP, INC.3+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $7,501 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $125,397 | $63,346+98.0% | $92,240+35.9% | $70,126+78.8% |
| Participation rate | 95.3% | 68.7%+26.6pp | 76.5%+18.8pp | 69.5%+25.8pp |
| Annual return | 15.79% | 530.19%-514.4pp | 176.29%-160.5pp | 73.15%-57.4pp |
| Employer contribution / active EE | $6,238 | $2,471+152.4% | $3,680+69.5% | $2,343+166.3% |
| Participant deferral / active EE | $5,231 | $2,854+83.3% | $3,897+34.2% | $3,332+57.0% |
| Admin fee / account holder | $417 | $3,841-89.2% | $5,194-92.0% | $4,645-91.0% |